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Structure

Common mistakes

  1. Inadequate Details on the Insured/Applicant Name: People often leave this section blank or provide incomplete information. It's crucial to ensure that the full name is written clearly to avoid any confusion during processing.

  2. Missing Required Photos: Many forget to include all necessary photos, such as those of each side of the dwelling and all roof slopes. This oversight can lead to delays in the application process.

  3. Incorrect Electrical System Information: Some applicants fail to accurately report the type and condition of the electrical system. This includes not specifying if there is aluminum wiring or if the amperage is sufficient, which can affect insurability.

  4. Overlooking Hazards: It's common for individuals to neglect to document visible hazards like exposed wiring or improper grounding. Failing to report these issues can lead to serious consequences later on.

  5. Inconsistent HVAC Information: Many people do not provide complete details about the HVAC system, such as the age and last servicing date. This information is essential for assessing the system's reliability.

  6. Insufficient Comments on Plumbing Condition: When the plumbing system is marked as unsatisfactory, applicants often do not provide adequate explanations. Detailed comments are necessary to clarify any issues observed during the inspection.

Learn More on This Form

  1. What is a 4-Point Inspection Form?

    The 4-Point Inspection Form is a document used to assess the condition of four critical systems in a home: the electrical system, HVAC (heating, ventilation, and air conditioning) system, plumbing system, and roof. This inspection is often required by insurance companies to evaluate a property's insurability.

  2. Who can complete the 4-Point Inspection?

    A licensed inspector in Florida must complete the form. Acceptable professionals include general contractors, residential contractors, building code inspectors, and home inspectors. Each inspector is required to sign and date the form, certifying the accuracy of the information provided.

  3. What information is required on the form?

    The form requires various details, including the insured/applicant's name, policy number, address, year built, and date of inspection. Additionally, the inspector must provide information about each of the four systems, including their condition, age, and any visible hazards or deficiencies.

  4. What are the minimum photo requirements?

    Photos must be included for each section of the inspection. The minimum requirements include images of each side of the dwelling, each slope of the roof, the water heater, under-cabinet plumbing/drains, exposed valves, the open main electrical panel with the interior door label, and the electrical box with the panel off. All noted hazards or deficiencies should also be documented with photos.

  5. What happens if a system is found to be unsatisfactory?

    If any system is deemed unsatisfactory, the inspector must provide detailed comments about the issues. This may include descriptions of leaks, corrosion, or any other visible hazards. Insurance agents are prohibited from submitting applications for properties with systems that are not in good working order.

  6. Is the 4-Point Inspection a warranty for the systems?

    No, the 4-Point Inspection does not serve as a warranty or guarantee of the systems' suitability, fitness, or longevity. It is solely used to assess insurability based on the current condition of the systems inspected.

  7. What should be done if there is aluminum wiring present?

    In cases where aluminum wiring is present, separate documentation of any remediation must be provided and certified by a licensed electrician. The inspector should detail the usage of all aluminum wiring and any repairs made.

  8. What if there are updates to the systems?

    The inspector must note any updates made to the systems, including the type of updates, dates completed, and who performed the work. This information is critical for the underwriting process.

  9. What should agents do before submitting the form?

    Agents must review the completed 4-Point Inspection Form to ensure that all rules and requirements are met. They are responsible for confirming that no applications are submitted for properties with existing hazards or deficiencies in the electrical, heating, or plumbing systems.

  10. How does this inspection impact insurance coverage?

    The information provided in the 4-Point Inspection Form is crucial for underwriting decisions. Insurance companies use this data to determine whether to offer coverage and at what rate. Properties with significant issues may face higher premiums or denial of coverage.

Misconceptions

  • Misconception 1: The 4-Point Inspection is only for older homes.

    • This is not true. While many older homes may require a 4-Point Inspection for insurance purposes, newer homes can also be subject to this inspection. Insurers may request it to assess the condition of critical systems regardless of the home's age.

  • Misconception 2: A 4-Point Inspection guarantees that my home will be insured.

    • A 4-Point Inspection does not guarantee insurance coverage. It provides information about the condition of essential systems, which insurers use to determine insurability. Other factors may also influence the final decision.

  • Misconception 3: Any inspector can complete a 4-Point Inspection.

    • This is incorrect. Only a Florida-licensed inspector can complete the 4-Point Inspection. The inspector must sign and date the form, ensuring that they are qualified to assess the home's systems.

  • Misconception 4: The inspection only checks for visible issues.

    • While visible issues are a focus, the inspection also evaluates the overall condition and functionality of systems like electrical, HVAC, plumbing, and roofing. Hidden problems may exist, and the inspector will note any concerns.

  • Misconception 5: The 4-Point Inspection is a warranty for the home's systems.

    • This is a common misunderstanding. The inspection provides a snapshot of the systems' conditions at a specific time. It does not serve as a warranty or guarantee of future performance or longevity.

  • Misconception 6: I don't need to provide photos with the inspection form.

    • Photos are a crucial part of the 4-Point Inspection. The form requires specific photos of each system to support the findings. Without these images, the inspection may not be considered complete by the insurer.

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